hi Gary, NO I have NOT accepted the price they offered me NO they have NOT given me a solicitor - although they did mention the name of a person who was DEALING with my claim but that person is more elusive than the scarlet pimpernel!) and when I have searched on the internet for a similar car with a sunroof and very low mileage I am unable to find only cars that are 2 years newer or more than mine - just know that they will not accept that fact. Thanks for responding I will keep you informed Abby

Hi, I wondered if anyone can offer me some advice about what to do next.... My problem started on the 23rd December 2007, having just got back from visiting relatives I was happily cooking tea in the kitchen when some one driving without due care (I am being kind when I say that!) came hurtling down the road, smashed into my front wall then proceeded to shunt my car into my neighbours wall before pushing my car further down the road where they finally stopped with their airbags fully inflated and a little dazed. BANG went my christmas, My car a total write off, my christmas presents in the boot and on the seat totally destroyed beyond recognition and no transport in which to go and buy any food for the christmas period. The police got all the details including the drivers insurance information and I passed this onto my insurance company and was told that no one was available to deal with it but someone would contact me after the christmas period. I am FULLY COMPREHENSIVE and have LEGAL COVER - so I thought well I am totally without fault in this accident so I should be ok? NO ONE CONTACTED ME and I had to literally beg them to let me have a hire car (which they have now taken off me) now 2 months later and after many many phone calls and letters of complaint I have still only been offered £2,800.00 - this leaves me with over a £1,000.00 debt on the finance and without funds to buy or put a deposit down on another car, plus the excess on my insurances and the loss of personal items which I cannot produce receipts for due to them being in the car at the time. They keep saying that I should have had GAP INSURANCE - but surely this is irrelevant if I am totally without blame ? surely my insurance and legal cover should be fighting to get me all my losses back?? my legal cover states : Legal expenses cover helps you claim from someone who has caused an accident. If you have sustained an injury, require a hire car or wish to claim back your excess, legal cover can help you claim back the costs for these events. instead my insurance brokers (its4me.co.uk) and my insurance company (equity redstar) and my legal cover insurers (apparently swinton one call - I still have not had any correspondence from them apart from a letter to say that its4me are dealing with my claim!) - ALL keep passing me back between each other - so what do I do now??. ANY HELP OR ADVICE AT THIS POINT WOULD BE GRATEFULLY RECEIVED, I am currently off work due to an illness brought on by the stress of having to keep bouncing back off this brick wall and have no transport to get to the hospital for the numerous check ups and tests they keep dragging me in for. thanks for reading, abby.